FDIC Certificate #: 31751 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Collinsville Bank (#33005) Federal Reserve ID: 39671 Date Established: January 01, 1974 Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 7422 FDIC's unique #: 44585 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: January 31, 1975 Last Structure Change Effective Date: October 01, 1999 Last Structure Change Process Date: October 28, 1999 Last Data Update: October 28, 1999 Data Source Date: April 05, 2012
Location
Address: 111 Walnut St, Highland, IL 62249 County: Madison Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Mount Vernon Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040) Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476) Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180) CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
Financial Summary
Total assets: $26.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
8Total employees (full-time equivalent)
$25,850Total assets
$4,036Cash and due from depository institutions
$3,863Interest-bearing balances
$7,541Securities
$48Federal funds sold & reverse repurchase agreements
$13,158Net loans & leases
$71Loan loss allowance
$0Trading account assets
$818Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$249All other assets
$25,850Total liabilities and capital
$24,191Total liabilities
$23,130Total deposits
$21,810Interest-bearing deposits
$23,130Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,000Other borrowed funds
$0Subordinated debt
$61All other liabilities
$1,659Total equity capital
$1,659Total bank equity capital
$1,659Perpetual preferred stock
$350Common stock
$260Surplus
$140Undivided profits
Memoranda
$909Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$32Earning assets
$0Long-term assets (5+ years)
$98Average Assets, year-to-date
$24,610Average Assets, quarterly
$7,597Volatile liabilities
$25,460Insider loans
$25,425FHLB advances
$2,499Loans and leases held for sale
$542Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$816Total unused commitments
$0Restructured Loans and leases
$12,276Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$1,742Total interest income
$1,050Total interest expense
$692Net interest income
$2Provision for loan and lease losses
$41Total noninterest income
$0Fiduciary activities
$36Service charges on deposit accounts
$0Trading account gains & fees
$5Additional noninterest income
$652Total noninterest expense
$312Salaries and employee benefits
$86Premises and equipment expense
$254Additional noninterest expense
$79Pre-tax net operating income
$0Securities gains (losses)
-$8Applicable income taxes
$87Income before extraordinary items
$0Extraordinary gains - net
$87Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$10Sale, conversion, retirement of capital stock, net
$43Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.18%Yield on earning assets
4.33%Cost of funding earning assets
2.85%Net interest margin
0.17%Noninterest income to earning assets
2.69%Noninterest expense to earning assets
0.34%Net operating income to assets
0.34%Return on assets (ROA)
0.31%Pretax return on assets
5.31%Return on equity (ROE)
2.69%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
20.00%Credit loss provision to net charge-offs
8.10%Efficiency ratio
88,950Assets per employee
3.23%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.43%Loss allowance to loans
0.54%Loss allowance to noncurrent loans
221.88%Noncurrent assets plus other real estate owned to assets
0.12%Noncurrent loans to loans
0.24%Net loans and leases to deposits
56.89%Net loans and leases to core deposits
63.78%Equity capital to assets
6.42%Core capital (leverage) ratio
6.51%Tier 1 risk-based capital ratio
13.51%Total risk-based capital ratio
Memoranda
$14Average assets
$25,460Average earning assets
$1,639Average equity
$24,258Average loans
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